MastercardAmtrak Guest Rewards Mastercard
A free way to keep Amtrak points alive and earn 2x on dining.
Welcome Bonus
12,000
≈$300 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAmtrak travel and onboard purchases
- 2xDining
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦5% points rebate on Amtrak redemptions
- ✦10% back on onboard food and beverage purchases
- ✦Keeps Amtrak Guest Rewards points from expiring
Why it earns its spot
- +No annual fee for a 2.5-cent currency
- +12,000 points is roughly $300 of Amtrak travel for $1,000 spend
Where it costs you
- −No companion coupon or upgrade, which is the whole Amtrak card appeal
- −3% foreign transaction fee
- −Thin earning outside Amtrak and dining
The Compound Verdict
The bonus is quietly excellent for a no-fee card because Amtrak points are worth so much toward fares. As a keeper it is a points-expiration shield and not much more. Riders who take even a few trips a year should pay up for the Preferred.
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